MRA +10 and sick leave


Q. If I retire under the MRA+10 provision, what happens to my unused sick leave? For example, if I retire as soon as I reach my Minimum Retirement Age with 12 years of service, and I have over 900 hours of unused sick leave, will I be credited as though I worked a few months past my MRA for the purpose of my annuity calculation, thus reducing a small portion of the age reduction for retiring before age 62?

A. Yes, it would be included when your annuity is computed.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to


  1. I am a CSRS employee and have worked with the U.S. Postal Service for almost 35 years. With over 1,500 hours sick leave, what is required from my doctor to use sick leave until January 1, 2016? I have had cancer and I’m currently working a reduced schedule under FMLA. I am eligible a few months before January 1; however, I’d like to take advantage of moving the lump sump terminal leave payment to a calendar year with a full year of reduced salary for tax purposes.

    I appreciate any assistance you can provide.

  2. Hello, I am looking into the possibility of retiring when I turn 56, I would have 20 years of service plus 1000 hours of sick leave. I have a few questions:

    1) would I be able to start withdrawing from my TSP right away? Is there a penalty of any kind for doing this?
    2) would the sick leave count towards reducing the annuity penalty?

    Thanks for any information

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